It’s natural for pet parents to want to do whatever they can to help their pets live long, happy, and healthy lives. Yet, sometimes the high costs of medical care can put constraints on their pet’s ability to access the best care. With pet insurance, that can change. Many pet insurance plans reimburse pet parents for part of or even the whole cost of certain medical procedures that fall under the plan’s policy. There are many different plans out there, some of which cover only emergency costs, while others will help out with routine care like annual exams and vaccinations. Choosing the right plan for your pet can be overwhelming, but we’re here to help.
Tips for Choosing the Best Pet Insurance Plan for You & Your Pet
Here are some things to consider when choosing a pet insurance plan:
- Your monthly cost
- Whether or not you want preventive medicine to be covered
- How you’ll be reimbursed, and for how much
- What conditions are covered, and if there are limitations such as not covering pre-existing, congenital, or hereditary conditions
- What other limitations there are to the insurance such as yearly limits for how much you can be reimbursed each year
The best time to purchase pet insurance is when your pet is young and has no pre-existing conditions. Oftentimes, you’ll pay a lower premium and have lower deductibles for a healthy, young pet, too, which helps to save you money. But even if your pet is older, pet insurance may still be a good idea. Many plans cover only emergency cases, which can have costs that skyrocket into the thousands of dollars. Having the safeguard of a plan that covers emergency cases can save you the hard decision of choosing between your pet’s care and your budget.